Yes, you're low normal, but I would still say low. And also we can see that you have fatty liver too so the correlation is there. You're likely insulin resistant.
I wouldn't worry about total cholesterol so much as I would high trigs and low HDL. What is your trig value? HDL? High trigs, low HDL is another sign of metabolic syndrome, insulin resistance and a better predictor of health outcomes than LDL/total C (unless these are crazy high or low).
If I were you, I wouldn't be so concerned with hormone levels. Your levels look fine to me. I would get in shape, get lean, get rid of your fatty liver, get your A1C to 5.2. or lower (I'm not sure what you mean by 101? Is that your fasting blood glucose?), make sure your blood sugar is not spiking post meals for hours on end, etc. These are critical components to your health that you must address. T is not a panacea. It will not correct poor metabolic health.
As far as you not having these issue while younger - the damage of insulin resistance/fatty liver takes years to accumulate. If you have elevated A1C, fatty liver, etc., you are damaging your endothelial walls (and killing your erections). I invite you to research this topic heavily. Evaluation of endothelial dysfunction in patients with nonalcoholic fatty liver disease: Association of selenoprotein P with carotid intima-media t... - PubMed - NCBI
